Auto Loans
Financing for the car you actually want.
Financing for new and used vehicles with straightforward terms.
Overview
About Auto Loans
OBS Auto Loans cover new, used, and refinanced vehicles. Get pre approved before you visit the dealer, so you shop with a real number in mind.
Rates
Interest and APR
- New vehicle APR
- 6.49% to 12.99%
- Used vehicle APR
- 7.24% to 14.99%
- Refinance APR
- 6.99% to 13.99%
Illustrative example
Illustrative example
Illustrative example
Fees
Fee schedule
- Documentation fee
- $50
- Late payment fee
- $25
- Prepayment penalty
- $0
Illustrative example
Illustrative example
Values shown are illustrative examples for this preview and do not constitute an offer, approval, or contractual quotation. Actual rates and fees depend on your profile, region, and eligibility.
How it works
Getting started
- 1
Get pre approved
See your rate and maximum loan amount before you shop.
- 2
Choose your vehicle
Bring the pre approval to any dealer or private seller.
- 3
Close the loan
eSign and OBS pays the seller directly.
Eligibility
- Age 18 or older
- Verifiable income
- Vehicle within age and mileage limits
Requirements
- Valid ID
- Proof of income
- Vehicle details or dealer invoice
Try the numbers
Estimate before you apply
Use the calculator below to model an estimate. Results are for guidance only and do not constitute an offer.
FAQs
Frequently asked
Still have a question? Message an OBS specialist from Secure Messaging any time.
Ready to begin
Get Pre Approved
Open your OBS profile and add Auto Loans in minutes.